Having car insurance is mandatory to circulate, but that this expense is mandatory is not faced with paying as little as possible, especially if we take into account that these types of policies are increasingly expensive.In fact, the price of cars insurance increased year after year, so it is important to analyze whether to include an occasional driver in car insurance is profitable or not.

Automobile policies do not have a fixed price, but their amount varies depending on the vehicle you want to protect and the driver.If you also need to include an occasional driver in car insurance, the cost can raise considerably, something that can make you consider changing insurance.Therefore, in Kelisto we have analyzed in what cases adding more than one policyholder will upload the premium and how you can do it by paying as little as possible.

How much does the insurance price raise to include an occasional novel driver?

When you request to include an occasional driver in car insurance, your company will have to assess whether you decide to raise the price depending on the extra risk you assume by protecting a more user.As a general rule, if the second policyholder has a profile similar to that already appears in the contract, the cousin will remain the same.

As with any other insurance, however, as the risk increases, the price will also raise you.Let's put the case of a 50 -year -old maker that drives an Audi A4 of 2017, the driving license was taken to 18 and has no fines.If you are going to add to a policyholder with similar characteristics to yours, you probably do not have to pay anything else, but if the second driver had given several parts by accident in the last year, I was less than 25 years old or the card would have been drawnless than two years, the thing would change.

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Car insurance with cheaper occasional driver

Thus, in the event that the driver of this assumption would like to add his 20 -year -old to the policy, he would have to accept paying more at the premium.In the third -party modality, within the cheapest car insurance it would be in Qualitas, which establishes a premium of 217 euros, 95 euros more than it costs the cheapest insurance without including an occasional driver (Direct Seguros Policy).The same would happen in the expanded third -party insurance mode, where it would go from paying 137 euros to 227 euros.At all risk, the price would rise even more: from 451 euros to 984 euros, which represents a difference of 533 euros of expenditure per year.

What happens if your car suffers an accident and the driver is not included in insurance?

Surely, on more than one occasion you have asked yourself: "Who can drive my car?"Or «What happens if my car suffers an accident and it is another one that drives?« Although, in exceptional cases, include an occasional driver in car insurance can shoot the premium, the solution does not pass in any case by"Cheat" on the policy and leave out regular users.Keep in mind that, if you suffer a mishap with third parties and the person who drives does not appear in the contract, the insurer could refuse to assume the expenses.In addition, remember that if you have sold your car to another person, it is necessary to change the ownership to appear the new driver as responsible.

If the occasional user profile is similar to that of the policyholder, it is normal that there is no problem.However, if the company considers that the risk that this driver will cause a mishap is higher, as is usually the case in the case of children under 25 years ofThe policyholder has lied not to pay more in the policy and not cover the damage.

In fact, in many contracts it is already noticed that these types of drivers are excluded from coverage.They could also ask you to pay the premium part that you would have paid if you had included the driver.Another possibility is that the rule of equity is applied, according to which they will not assume the costs equivalent to the premium that you have not paid.That is, just as you have saved part of the money for not including an occasional driver in the contract, they will only cover the proportional part of the damage that corresponds to them.

How can I include an occasional driver in the no -cost car insurance?

If you need to include an occasional driver in your car insurance, you don't have to wait to renew or change policy.In fact, it is best to do it as soon as possible and so have the contract updated.Although you have already signed, you will only have to ask your insurer to change and provide you with the new policyholder data.To do so, you can call, write an email to your company or, in some cases, add to the driver from your website.

For its part, the insurer will have to recalculate the premium and inform you in case an occasional driver raises the premium.If you have to pay more than before, you can always look for a policy in which the climb is not so high or look for other ways to save on car insurance:

How to save on your car insurance